| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +3.0% | +4.0 pts |
| Deposit growth (YoY) | +7.9% | +2.5% | +5.5 pts |
| Loan growth (YoY) | +15.0% | +2.6% | +12.4 pts |
| ROA | 1.54% | 0.99% | +0.5 pts |
| ROE | 11.2% | 8.1% | +3.2 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $46.7M | $40.1M | $27.2M | $6.6M | $362K | 1.54% | 4.11% | 0.00% |
| Q1 2026 | $47.6M | $41.1M | $23.0M | $6.5M | $148K | 1.25% | 3.91% | 0.00% |
| Q4 2025 | $47.0M | $40.6M | $23.2M | $6.3M | $847K | 1.88% | 4.84% | 0.00% |
| Q3 2025 | $42.7M | $36.2M | $27.5M | $6.4M | $728K | 2.18% | 4.93% | 0.00% |
| Q2 2025 | $43.6M | $37.1M | $23.7M | $6.5M | $492K | 2.18% | 4.83% | 0.00% |
| Q1 2025 | $46.6M | $40.1M | $21.7M | $6.5M | $228K | 1.99% | 4.70% | 0.00% |
| Q4 2024 | $44.8M | $38.5M | $27.6M | $6.3M | $1.4M | 3.16% | 5.91% | 0.00% |
| Q3 2024 | $42.2M | $35.6M | $30.7M | $6.6M | $1.1M | 3.44% | 5.97% | 0.00% |
Loan mix (Q2 2026): real estate $11.7M · commercial $534K · consumer $289K · securities $0
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Grant County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 0.99% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 8.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.0% | 70.8% | 30th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Grant County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Grant County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Grant County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Grant County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Grant County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Aug 15, 2025 | Target | Schmid Family Control Group | Change in control | Completed | Federal Reserve |
2 branches in 2 counties across 1 state (+0 vs 2025) · $40.1M branch deposits. Biggest market: Grant, ND, ranked 3rd with 20.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Grant, ND | 1 | $26.8M | 20.79% | 3rd |
| Morton, ND | 1 | $13.2M | 0.77% | 14th |
North Dakota: 86th with 0.08% · Bismarck metro: 24th, 0.17% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (23 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).